Today in Mortgages
Today in Mortgages
Nearly 1 in 10 Mortgages Are Non‑QM — Should We Be Worried?
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One in 10 mortgages today is non‑qualified — and if that headline made you think of 2008, you’re not alone.
In this episode of Today in Mortgages, Michael David sits down with industry veteran Rich Jefferson to break down what non‑QM loans actually are, why they’re growing, and why today’s non‑qualified mortgages are very different from the risky loans of the past.
We cover:
- ✅ What “non‑qualified mortgage” really means
- ✅ Why self‑employed, 1099, and gig‑economy borrowers are driving growth
- ✅ How today’s non‑QM borrowers are high‑credit, high‑down‑payment clients
- ✅ Why this is an opportunity — not a risk — for loan officers
- ✅ How DSCR loans are helping real estate investors qualify without W‑2s
If you’re a loan officer, mortgage professional, or real estate agent, this episode will help you stop turning away good borrowers and start closing more deals in today’s market.
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Legal Disclosure
Today in Mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and/or products should not be taken as individual mortgage or home buying advice or pricing estimates. Any commentary on this show should not be considered a promise to make a loan. All applicants for a loan must qualify, and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit https://nflp.com/licenses for all state licensing and other legal information.
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Today in mortgages is produced by Network Funding, LP, which is an equal housing lender, NMLS# 2297. Corporate office located at 10370 Richmond Ave. Suite 900, Houston, TX 77042.
The content of this program is meant to be a commentary on mortgage and real estate news and any discussion of rates and or products should not be taken as individual mortgage or home buying advice or pricing estimates, and any commentary on this show is should not be considered a promise to make a loan. All applicants for a loan must qualify and you should consult a professional regarding your individual loan scenarios for your financial situation. Visit our website at nflp.com/licenses for all state licensing and other legal information.